You’ll find on this part of our website legal information about us and our credit cards.
Santander Zero Credit Card and Santander Credit Card – Terms & Conditions
1 Definitions
In these conditions, some words have particular meanings:
“Santander Group” means Santander UK plc, its subsidiaries and parent companies, and any subsidiary of any of its parent companies, including Santander Cards Limited, Santander Cards UK Limited and Santander Cards Ireland Limited.
“Account” means the account opened by us in your name that records the amount you owe us under this agreement.
“Balance Transfer” means a payment you ask us to make from the Account to repay or reduce an amount owed to another lender.
“Card” means any card issued by us for use in connection with the Account.
“Cash Transaction” means cash (including the purchase of travellers cheques or foreign currency) obtained by use of the Card or card number, any betting and gambling transaction and/or any payment made by use of a money order or an electronic money transfer, direct debit, standing order or by such other facilities as we may from time to time provide in connection with the Account.
“Credit Card Cheque” means any cheque we issue for you to use with your Account.
“Extended Balance Transfer” means where we allow continuation of a Balance Transfer beyond its original period
“Personal Security Details” means various registration numbers or codes that allow you to operate the Account and any other Santander Group accounts in your name remotely.
“PIN” means the personal identification number to be used with the Card.
“Purchase” means a purchase of goods or services using the Card or Card number.
“Transaction” means a Balance Transfer, Cash Transaction, Purchase or payment by Credit Card Cheque and any other transaction made by you or an additional cardholder on the Account.
“We”, “us” or “our” means Santander Cards Limited and any person we may transfer our rights or duties to under this agreement.
“You”, “your” means the person who signed this agreement.
2 Your Account
2.1 (a) Your Card and Account are for your personal use only. You may use your Card and Account for Transactions up to the credit limit, although the amount you owe us for Cash Transactions at any one time cannot be more than 50% of the credit limit. Where you use your Card for cash withdrawals if there is any limit on the total amount of cash you may withdraw, which may change from time to time, we will let you know what this is. We will put on the Account all Transactions and all other amounts you have to pay under this Agreement. You will authorise a Transaction by giving your consent to it through using your Card and PIN or signing a voucher. Where the Transaction is made without you being present, for example on the Internet or by phone, you give your consent by giving the Card number and other details requested by the person you are paying or by using your Card and PIN at an ATM. If you have given consent to a series of Transactions (such as a continuous payment authority to a third party) you may cancel this at any time.
(b) Where you dispute a Transaction, if following our investigation, we find that you have not authorised the Transaction we will refund the amount of the Transaction and restore the Account to the state it would have been in had the Transaction not taken place.
(c) If you dispute any pre-authorised Transaction, you must tell us about this as soon as possible. If the dispute relates to the amount of any Transaction where the amount of the Transaction exceeds the amount that you reasonably expected ( other than as a result of exchange rate fluctuations) you must tell us within eight weeks from the date on which the Transaction was put on your Account as you are entitled to a full refund. The right to a refund does not apply where you have given consent to the Transaction to be made and information about the Transaction was provided at least four weeks before the date on which payment is due.
2.2 We may from time to time offer you promotional rates on certain types of Transaction for a limited period and may offer you Credit Card Cheques to use on your Account at a rate we will tell you when we make the offer. We cannot stop payments made by Credit Card Cheques.
2.3 You cannot use Credit Card Cheques to pay off balances on cards you hold with any other Santander Group company and you cannot make Balance Transfers from any other Account you hold with a Santander Group company to your Account. If you make a Balance Transfer, you should continue to make any payments due to the other lender both before and after the Balance Transfer has been made. We may put limits on the amount of Balance Transfers, allow Extended Balance Transfers or only allow them up to a proportion of your credit limit. We will tell you about these limits before you make a Balance Transfer. When you request a Balance Transfer we will tell you the maximum time it will take to carry out the Balance Transfer and if there are any charges payable for making the Balance Transfer or extending a Balance Transfer and the amount of any such charges. After a Balance Transfer has been processed you cannot cancel it and any charge we make for making the Balance Transfer cannot be refunded to you.
2.4 a. You must not exceed your credit limit. If you exceed your credit limit without our permission you must pay the excess amount immediately. To decide whether you have gone over the credit limit we can take into account the amount of any Transaction we have authorised even if it has not yet been charged to the Account.
b. In exceptional circumstances we may allow you to exceed your credit limit as a service to you. If we allow this you will have to pay the over limit fee detailed in the Key Information section of your Agreement.
c. If you require a lower credit limit on your account or do not want your credit limit to be increased you can tell us. If we require a minimum credit limit we will tell you this.
2.5 Where a shop or other person you have paid using your Card gives you a refund, your Account will be re-credited when we receive an acceptable refund voucher.
2.6 (a) We may close your Account or cancel or suspend your right to use your Account if it has been dormant meaning there have been no transactions or a zero balance for a period of 6 months. Before we do this we will contact you to determine whether you intend to make any further transactions on your Card. Due to the cost of servicing an account, we may at our discretion charge a dormancy fee of £10 if your Account has been dormant.
2.6 (b) We may send you a different Card, including one with a different payment scheme logo as a replacement for your existing Card. We may decline to issue you with a replacement Card where:
2.7 You may not use the Card or the Account for any illegal purpose.
2.8 Cards and unused Credit Card Cheques belong to us and you must immediately return them to us or destroy them if we ask you to. We may ask others to retain them for us.
3 Charges
3.1 If you use your Card to withdraw cash from any ATM or for another type of Cash Transaction, we will charge you the fee set out under the Key Information section of this agreement. We may set limits on the amount of each Cash Transaction and will tell you if we do. We may also charge a fee for any Balance Transfer or Extended Balance Transfer that you make and we will notify you of the amount of the fee before you make a Balance Transfer. Details of other fees charged in relation to all Transactions are detailed in the Key Information section of this agreement.
3.2 All Transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at an exchange rate set by the payment scheme provider. The exchange rate used may differ from the rate when the Transaction was made as exchange rates vary on a daily basis. The exchange rate used when such Transactions are made and the amount of the Transactions in sterling following application of the exchange rate will be set out in your Statement. Details of the exchange rates to be applied are available at 0845 602 1582.
4 Additional cards
4.1 You can ask us to issue an additional Card to up to 3 people you nominate as long as they are eligible for a Card.
4.2 You are responsible for all use of your Account by any additional cardholder, including anything they do that makes you break this agreement. You must ensure that each additional cardholder uses the Card according to these Terms and Conditions.
4.3 We will not give additional cardholders information about your Account.
4.4 You can ask us to cancel an additional Card at any time but you will remain responsible for it until it is returned to us.
4.5 You must not hold duplicate Accounts with us.
5 Payments and interest
5.1 You must make payments to be received by us by the payment due date shown in your statement. Payments will reduce your balance only when they are then credited to your Account. Your statement will give you guidance on when to make payments by different methods so that they reach us and can be added to your Account on time.
5.2 If we think it appropriate to do so, based on how you use the Account, we may offer you a payment holiday. As you will not have to make any minimum payments your balance will not reduce and you will be charged interest on the amount on your Account as normal.
5.3 As we process payments automatically we may accept partial payments marked “payment in full” or other similar language without losing our right to claim full payment.
5.4 You cannot use a claim against a supplier as a reason for not making payments to us unless you have a legal right to do so.
5.5 You will permanently lose your right to introductory and promotional rates if you do not make your minimum payment on time or if you exceed your credit limit and do not correct this within 10 working days after we have told you about it.
5.6 You authorise us to take payments due to us under this agreement from current or savings accounts you have with any Santander Group company if you do not pay them on time yourself. Unless we believe the funds in your other Santander Group accounts will be moved before payments are made, we will give you at least 7 days advance warning before we do this.
5.7 You should not make payments that place the Account in credit. If you do, we may still restrict the use of the Card and the Account to the amount of your credit limit.
6 Your statement
6.1 We will send you a statement each month that there is activity or a balance on the Account. The statement will show your payments and all Transactions and other amounts added to your Account since the last statement.
6.2 You must make the minimum payment each month even if you do not receive a statement for any reason. In these cases you must contact us to find out the minimum payment due that month.
6.3 You must tell us as soon as possible if you think the statement is wrong or if you do not receive a statement.
7 Remote access and security
7.1 If you have been provided with Personal Security Details, you will be able to use them to operate your Account, and any other Santander Group accounts you may have, using the Internet, telephone and other channels, which may be available for your Santander Group accounts from time to time.
7.2 Whenever you use the Internet, telephone or other channels to access your Santander Group accounts, the use of your Personal Security Details authorises us to provide the service you requested.
7.3 We may withdraw any or all of your Personal Security Details if we believe that this is necessary for security reasons or to prevent misuse of remote access services or of your Account.
7.4 You and each additional cardholder must:
7.5 If your Card is lost or stolen or you think that it or the Personal Security Details or Card number may be misused, or that someone may know your Personal Security Details or PIN, you must tell us as soon as possible by telephoning 0845 602 1582* or writing to Customer Services, Santander Cards Limited PO Box 983, Bradford, BD1 9FE.
7.6 You must give us all the information you have about the loss, theft or misuse of the Card, Card number, Personal Security Details or the PIN, and any other information we ask for to help us. We may give the police any information we think will be useful.
7.7 You will not have to pay for any unauthorised use of your Cards, PIN or Credit Card Cheques by someone other than you or an additional cardholder, unless you or an additional cardholder have acted fraudulently or were responsible for the misuse, for example by allowing someone else to have the Cards. In that case, you may have to pay for all use.
7.8 You must not damage or deface the Cards or interfere with any chip in a Card at any time except those Cards which have to be cancelled or have expired must be destroyed by cutting them into several pieces.
7.9 Our fraud detection systems highlight unusual spending patterns. We may call you if unusual Transactions appear on your Account. These calls may include computer-generated speech. If you do not want us to call you this way, please phone us on 0845 603 8562*.
8 Changes to this agreement
8.1 We may change the interest rates which apply to your Account, or change the way in which interest is charged on your Account for any reason which is valid. We may also reduce your credit limit and change (including removing or adding) fees and charges for any valid reason. These changes may be personal to you and based on a number of factors such as increased or decreased credit risk, your use of the Account or whether you breach the Terms and Conditions of your Account.
8.2 We may make a change (including removing or adding) to any of the other terms of this agreement to:
a. Conform with or anticipate any changes in the law, Codes of Practice or recommendations of the Financial Services Authority or any other appropriate regulatory authority;
b. Provide for the introduction of new or improved systems, methods of operation, services or facilities;
c. Take account of a ruling by a Court, Ombudsman, Regulator or similar body;
d. Reflect general banking practice;
e. Make them clearer or more favourable to you;
f. Ensure that our business is run prudently;
g. Reflect changes in our costs of providing this service to you;
h. Rectify any mistake that might be discovered in due course;
i. Introduce new features such as the ability to repay certain Transactions in fixed repayment amounts;
j. Reflect changes to the Santander Group structure
8.3 If we make a change (including removing or adding) to the terms of this Agreement you are then free to close the Account immediately by ending the agreement.
8.4 If we change the interest rates which apply to your Account we will give you at least 7 days notice of the change.
8.5 If we change the charges which apply to your Account or make any other changes to the terms of this agreement, the notice we give you will be at least 30 days’ prior personal notice if the change is to your disadvantage, otherwise we will give you notice within 30 days of the change. Where such changes are to your disadvantage, you may write to us within 60 days from the date of the notice to close your Account.
9 Ending the agreement
9.1 Either of us can end this agreement by giving notice to the other. Unless there are exceptional circumstances, we will give you 30 days’ notice before we end this agreement.
9.2 Once notice has been given, you must return all Cards and unused Credit Card Cheques to us, having cut them into several pieces or destroy them if we ask you to and cancel any instructions or authorities you have given others to charge your Account. You must continue to make all payments due under this agreement which will continue until you have repaid all amounts owed us, including those added to the Account after the notice to end the agreement.
9.3 We may ask for full repayment of the amount you owe under this agreement if you die, are made bankrupt or break this agreement repeatedly or seriously. We will follow any legal requirements before we do so.
10 Personal information
10.1 In order to assess your application and manage your Account, including any changes to your credit limit and Card, we will use information about you for credit assessment, which may include credit scoring. This may involve the use of automated processes and the making of automated decisions. Information that is supplied to us as part of your application will be sent to credit reference agencies. We will search the files of credit reference agencies, which will keep a record of each search, whether or not the application proceeds. If the search is for a credit application the record of the search (but not the company that made it) may be seen by other organisations when you apply for credit in the future. If you make several credit applications within a short time, this may temporarily affect your ability to get credit.
10.2 If you have previously made a joint application for credit, have a joint account or state that you have a financial associate or a partner/spouse, information about you both (including any previous and subsequent names) will be recorded at the credit reference agencies. An association linking your financial records will be created at the credit reference agencies and these linked records will be searched and taken into account in assessing this application and, unless a notice of disassociation is recorded at the credit reference agencies, they may
be taken into account if either or both of you apply for credit in the future. Very occasionally, if there is insufficient information to enable us to assist you, we may also use information about other members of your family.
10.3 The credit reference agencies will also provide us with public information such as County Court Judgments (CCJs), bankruptcies and electoral register information and fraud prevention information.
10.4 We will make any enquiries relating to you that we consider necessary including with your employer or another financial institution.
10.5 Details about you and the conduct of your Account will be passed to credit reference agencies. This will include failure to make any payments due to your Account even if you remain within the agreed credit limit. If we make a formal demand for repayment of your borrowing and you do not make full repayment or satisfactory proposals to us within 28 days, we may disclose this to the credit reference agencies, who will record the outstanding debt. Records shared with credit reference agencies will remain on file for 6 years after they are closed, whether settled by you or defaulted. This information may affect your ability to obtain credit.
10.6 Before we can open your Account, we will check your details with fraud prevention agencies, and may make searches at credit reference agencies who will supply us with information including information from the electoral register, for the purposes of verifying your identity. Scoring methods may be used to verify your identity. A record of this process will be kept that may be used to help other companies to verify your identity. If you give us false or inaccurate information and fraud is identified, details will be sent to fraud prevention agencies. Law enforcement agencies may access and use this information.
10.7 We and other organisations may search and use the records held by credit reference and fraud prevention agencies about you and your financial associates or partner/spouse and others in your household, to prevent crime, fraud and money laundering and for example:
10.8 We and other organisations may search and use from other countries the information recorded at fraud prevention agencies. Further information on the credit reference agencies and fraud prevention agencies that we use is available on request.
10.9 Your data may also be used in other ways where agreed by you and in very limited circumstances, when required by law or where permitted under the Data Protection Act.
11 General
11.1 For commercial reasons, we (or another Santander Group company) may decide to change the insurers that provide your insurance benefits. If that happens, we (or they) will write to you not less than 30 days before your current insurance expires with details of the new insurer and any changes to the Terms and Conditions of your cover. You authorise us (and other Santander Group companies) to transfer your personal information to any new insurer to enable that insurer to provide your cover. You also consent to the new insurer providing insurance cover to you. This consent will ensure that there is no break in your insurance cover and does not affect your right to cancel your credit agreement. You may cancel this authority and consent at any time but if you do so, your insurance policy will terminate if we decide to change the insurer.
11.2 (a) We may cancel or suspend your right to use your Card or the Account at any time where we reasonably believe this is necessary because of:
(i) concerns around the security of the Card or the Account ;
(ii) suspected or unauthorised use of the Card and Account;
(iii) where we suspect you will not be able to fulfil your liability to repay us.
We will inform you that we are cancelling or suspending your right to use the Card or Account and give you our reason for doing this. Where we are unable to contact you to tell you of this we shall stop use of the Card or Account and inform you immediately after. Where your use of the Card or Account is unlawful we may cancel or suspend your right of use without telling you first. The agreement will continue if we cancel or suspend your right to use the Card and we will not be liable for any loss or damage you or an additional cardholder may suffer as a result.
(b) We may refuse to carry out a Transaction if
(i) there is a threat to the security of your Card or Account;
(ii) you have exceeded your Credit Limit (except in circumstances in condition 2.4 (b) );
(iii) you tell us that your card has been lost or stolen;
(iv) we are required to do so for any related legal, regulatory or fraud prevention purposes;
(v) you have given us inaccurate or unclear payment instruction;
(vi) theTransaction appears unusual compared to your normal spending pattern, or
(vii) we suspect fraud or carrying out a Transaction may result in increased credit risk.
Where we refuse to carry out a Transaction we will notify you of this and give you reasons for such refusal and tell you the steps required to complete the Transaction. We are entitled to charge you for notifying you of any explanation we give.
11.3 You must have a UK residential address. You must tell us if you change your address or contact details or if you or an additional cardholder change name.
11.4 We may transfer to any other person or business any or all of our rights under this agreement at any time and our duties (including, without limitation, our duty to lend to you). We may do this without telling you. Your rights under this agreement and your legal rights (including under the Consumer Credit Act 1974) will not be affected.
11.5 This agreement is governed by the law of England and Wales, which will also govern the relationship between us and you before the conclusion of this agreement.
11.6 If we do not strictly apply our rights under this agreement at any time, that will not prevent us from doing so later.
11.7 We will not be liable if we are prevented from doing anything we have said we will do under this agreement because of anything that we cannot reasonably control, including any machine failing to work or industrial disputes.
Information about us
The creditor is Santander Cards Limited, which provides credit products to consumers.
Santander Cards Limited is a company registered in England No. 3932752. Credit from Santander Cards Limited is regulated by the Office of Fair Trading No. 490835 under the Consumer Credit Act 1974.
We will only write to you in English.
If any taxes apply to you as a result of entering into this agreement you must account for them yourself.
Information about how to make a complaint
If you have a complaint, please write to Customer Services (Complaints), Santander Cards Limited, PO Box 983, Bradford, BD1 9FE or telephone us on 0845 602 1582*. If you are unable to resolve any complaint you can contact Complaints, Santander, PO Box 5129, Milton Keynes, MK9 2YN or telephone us on 0845 600 6014* If, after contacting our Complaints team, we are still unable to resolve any complaint you may have with us you can apply to have your complaint resolved by the Financial Ombudsman Service. Credit sold by Santander Cards Limited is subject to the compulsory jurisdiction of the Financial Ombudsman Service.
Santander Cards UK Limited – Santander MasterCard
The following information only applies to customers holding a Santander MasterCard (white design) and who have not received notification of a change to their credit provider.
Santander Cards UK Limited (registered number 1456283) provides the Santander MasterCard.
Registered in England and Wales. Registered office:
2 Triton Square
Regent’s Place
London
NW1 3AN
Santander Cards UK Limited is a member of the Santander group of companies. The Santander group comprises Banco Santander S.A. and any other subsidiary of it including
Santander Cards UK Limited. Santander and the flame logo are registered trademarks.
We are licenced to provide credit products and for related purposes by the Office of Fair Trading (licence number 154771). We are also authorised and regulated by the Financial Services Authority (reference number 204572). We are registered with the Information Commissioner’s Office (registration number Z5750586). We are a member of the Finance and Leasing Association. We are a member of the Financial Services Compensation Scheme (see more below).
Santander Cards UK Limited subscribes to the Lending Code which sets standards of good banking practice for financial institutions to follow. Compliance with the Code is monitored by the Lending Standards Board. Further information is available from the Lending Code website (http://www.lendingstandardsboard.org.uk/)
Contact
Our Customer Services number is 0871 522 5151. Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes.
USEFUL INFORMATION
Recurring TransactionsA recurring transaction is a regular payment (other than a direct debit or standing order) collected from your credit card account by a supplier of goods or services (such as a magazine subscription), in line with your instructions. Recurring transactions are not covered by the Direct Debit Guarantee. If you wish to cancel a recurring transaction that is paid with your Santander Cards Mastercard, you must do this directly with the supplier. We recommend you keep proof of cancellation. It may not be possible to cancel payments if you do not give enough notice of your decision to cancel.
Recurring transactions do not operate like a Direct Debit so Santander Cards are unable to cancel them or stop them being applied to your account.
Additional Cardholder
Additional cardholders must be aged 18 or over and share your credit limit. You are responsible for the payment of any purchases and transactions made with any additional card.
About this website
Jurisdiction for use of this website
This website is intended for use only by those who can access it from within the UK. Products on this site are only for UK residents, and are not an invitation to customers outside the UK to purchase these products.
Access to this website
We aim to ensure that access to this website is available 24 hours a day, 7 days a week.
Occasionally we may need to repair, maintain or develop the website which may mean it will be necessary to close or suspend it. Access may also be affected by circumstances beyond our control.
Our responsibility and your responsibility
We will not be liable for any loss of transmitted information, or for viruses or other contaminating properties which may be transmitted. You have sole responsibility for ensuring the adequate protection of your system, for the back up of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
You are responsible for obtaining and maintaining your own compatible computer system, software and communications lines required by you to access this website properly. We have no responsibility or liability in respect of your equipment.
You are responsible for all telecommunications and similar charges incurred by you in gaining access to and using this website.
Website Terms and Conditions
Please read the terms and conditions set out below carefully before using this website.
This website is provided by Santander Cards UK Limited ("Santander Cards"). By using the site or downloading materials from the site, you agree to abide by these terms and conditions ("Terms"). If you do not agree to abide by these terms and conditions do not use the site or download materials from the site.
For these purposes, "you", "your" and "yours" means the person(s) who access the Santander Cards UK website (the "Website"). References to "we", "us" and "our" means Santander Cards Limited trading as Santander Cards.
Our products and services are subject to the terms, conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms. When you apply for a product on our website, for your records, you should print or download the terms and conditions which govern your account, product or service.
Trademarks and Copyright
Santander Cards grants you a non-exclusive, non-transferable, limited right to access, use and display this Website and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Website in any way.
Santander Cards authorises you to view and download the information ("Materials") at this Website only for your personal, non-commercial use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Website as it may be updated from time to time.
This Website, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Website and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, Santander Cards does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
Messages sent by email cannot be guaranteed to be completely secure. They are subject to possible interception or loss or alteration. Santander Cards is not responsible for these and will not be liable to you or any other party for any damages or otherwise in connection with any email message sent by you to us or any email message sent by us to you.
Disclaimers and Warranties
We have taken reasonable steps to ensure the accuracy and completeness of the information on the website. However, the materials and information contained in this website may contain inaccuracies and typographical errors. We do not warrant the accuracy or completeness of the material or the reliability of any advice, opinion, statement or information displayed or distributed through the website.
You acknowledge that any reliance on any such opinion, advice, statement or information shall be at your sole risk. Santander Cards reserves the right, in its sole discretion, to correct any errors or omissions in any part of the website.
We do not warrant that this Website will be available to meet your requirements, that your access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You are solely responsible for maintaining adequate protection and back up of data and/or equipment and for undertaking reasonable precautions to scan for computer viruses or other destructive properties.
This Website is intended for users resident in the United Kingdom. Santander Cards makes no representation that materials on this Website are appropriate or available for use at other
locations outside the United Kingdom.
Data Protection
We may, as a result of your interaction with this Website, hold and process your personal data (including updated contact details) to operate and manage any agreement you enter into with Santander Cards and our relationship with you. For details click here.
Third Party Sites
Where we have provided hypertext links to other locations and sites on the internet, we do so for information purposes only. If you use locations and sites, you will leave this Website. We are not responsible for the content of any other website or pages linked to or linking to our Website.Santander Cards makes no warranty or representation regarding, and does not endorse, any linked sites. We have not verified the content of those internet sites and you visit these at your own risk. We will not be responsible or liable for any damages or in other way in connection with the linking of sites on the internet.
Links to downloadable software sites are for your convenience only. We are not responsible for or liable for any difficulties or consequences you suffer associated with downloading such software. The use of any downloaded software is governed by the terms of the licence agreement, if any, which will be provided with such software.
Amends to these terms
Santander Cards reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms in whole or in part, at any time. Changes to these Terms will be effective when notice of such change is posted. Your continued use of the Website after any changes to the Terms are posted will be considered acceptance of those changes. Santander Cards may terminate, change, suspend or discontinue any aspect of the Website, including the availability of any features of the Website, at any time. Santander Cards may also impose limits on certain features and services or restrict your access to parts or all of the Website without notice or liability. Santander Cards may terminate the authorisation, rights and licence given above and, upon such termination; you shall immediately destroy all Materials.
Governing Law
These Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of this jurisdiction have non-exclusive jurisdiction in respect of any dispute which may arise.
Lending Code
We subscribe to the Lending Code. Click here for more information on the Lending Code.
The Santander Group includes Alliance & Leicester. We have more than 150 years’ experience in banking and more branches worldwide than any other international bank.
We subscribe to the Lending Code. Click here for more information on the Lending Code.
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